Lewiston, ME mortgage & affordability calculator

The typical home in Lewiston, ME is worth about $265,000. With 20% down that's a loan near $212,000 — the calculator is pre-filled with that figure. Lewiston and neighboring Auburn built their economy on 19th-century textile mills along the Androscoggin River, and the area has more recently become home to one of New England's largest Somali and other African immigrant communities.

$1,376.44 / month

Total interest
$283,515
Total paid
$495,515
Payoff
30.0 years
Balance over YearBalance ends near $0 at 30.$0$53k$106k$159k$212k0612182430Year

How much you need to earn

Lewiston, ME's median household income is about $56,000 a year. Under standard 28/36 lending rules that supports a home price around $197,959 with 20% down — below the $265,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.

$197,897 max home price

Max loan amount
$144,897
Housing payment budget
$1,307
P&I budget
$941
Bound by
front-end ratio

Uses the 28% front-end / 36% back-end DTI guidelines. Lenders vary.

Typical asking rent in Lewiston, ME is about $1,200 a month, so owning the median home costs roughly $542 more per month before tax effects, maintenance, and any change in home value.

Frequently asked questions

What is a typical mortgage payment in Lewiston, ME?
On the metro's roughly $265,000 typical home with 20% down, the loan is about $212,000. Principal and interest run near $1,376 a month at today's rate, and Lewiston, ME's property tax plus insurance add about $366, for a full payment near $1,742.
Can I afford a home in Lewiston, ME on the median income?
The median household income is about $56,000 a year. Under standard 28/36 lending rules that supports a home price around $197,959 with 20% down — below the $265,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in Lewiston, ME?
Typical asking rent is about $1,200 a month. The full owner payment on a median home is near $1,742, so owning costs roughly $542 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in Lewiston, ME?
The effective property tax rate in the core county is about 1.24% of market value — roughly $3,286 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in Lewiston, ME rising or falling?
Home values are up about 4% over the past year. Lewiston and neighboring Auburn built their economy on 19th-century textile mills along the Androscoggin River, and the area has more recently become home to one of New England's largest Somali and other African immigrant communities.

Nearby metros

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